Guadalupe County, Texas: commercial real estate data.
Guadalupe County, Texas had an estimated 195,166 residents on July 1, 2024, up 13.0 percent since the 2020 census base of 172,712, across 711 square miles. County output reached $14.55 bn in 2024, 2,768 establishments operate here, and the SBA record carries 165 7(a) approvals worth $123.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Guadalupe County
How many people live in Guadalupe County
- Population, American Community Survey 2020-2024183,642
- Households65,424
- Average household size2.81
- Median household income$92,375
- Median age37.6
- Median gross rent$1,517 per month
- Median owner-occupied home value$304,400
- Home value to household income3.3 times
- Annual rent as a share of median income19.7 percent
- Adults 25 and over with a bachelor degree or higher31.4 percent
- Adults 25 and over with a graduate degree10.8 percent
- Adults 25 and over123,845
- Population under 1844,233
- Share under 1824.1 percent
- Population 65 and over27,204
- Share 65 and over14.8 percent
- Working age population, 18 to 64112,205
- Civilian labor force91,345
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over65.5 percent
- Rank by population among Texas counties28th of 254
- Rank by population among US county-equivalents, Puerto Rico included373rd of 3,222
Guadalupe County is the 28th largest of 254 Texas counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.1 percent against 14.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Guadalupe County
Is Guadalupe County's population growing?
- Population, July 1, 2024195,166
- Census 2020 base population172,712
- Population change since the 2020 census base13.00 percent
- Population change, 2023 to 20246,110
- Births, 20242,068
- Deaths, 20241,461
- Natural change, 2024607
- Net domestic migration, 20245,249
- Net international migration, 2024282
- Total net migration, 20245,531
- Cumulative net domestic migration, 2021 to 202418,588
- Rank by growth among US county-equivalents88th of 3,144
The county has grown 13.00 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Guadalupe County
Where are people moving to Guadalupe County from?
- Tax returns filed by households arriving8,719
- People arriving, from those returns17,753
- Tax returns filed by households leaving6,687
- Net household movement2,032
- Adjusted gross income arriving$592.9 m
- Net adjusted gross income movement$103.0 m
- Average income of an arriving household$68,006
- Average income of a leaving household$73,268
- Largest single originBexar County (2,352 households)
- Largest single destinationBexar County (1,936 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bexar County | 2,352 | 4,593 | $138.5 m |
| Comal County | 1,254 | 2,461 | $88.8 m |
| Hays County | 573 | 1,140 | $35.1 m |
| Travis County | 383 | 667 | $27.0 m |
| Harris County | 160 | 281 | $14.9 m |
| Williamson County | 145 | 280 | $11.7 m |
| Wilson County | 131 | 278 | $9.7 m |
| Caldwell County | 112 | 228 | $5.7 m |
Households arriving report $5,262 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Bexar County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Guadalupe County
What is the Guadalupe County economy?
- County GDP, 2024$14.55 bn
- County GDP, 2023$13.70 bn
- GDP change, 2023 to 20246.2 percent
- GDP change over five years80.7 percent
- Rank by GDP among the Texas areas BEA publishes28th of 254
- Rank by GDP among the US county areas BEA publishes332nd of 3,127
- GDP per resident$79,208
Output grew 6.2 percent in the latest year and 80.7 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Guadalupe County
Employment by industry in Guadalupe County
- Covered employment, annual average48,527
- Establishments reporting2,729
- Average annual pay$59,236
- Average weekly wage$1,139
- Manufacturing, employment9,672
- Manufacturing, average annual pay$70,967
- Retail trade, employment5,864
- Retail trade, average annual pay$42,362
- Accommodation and food services, employment4,869
- Accommodation and food services, average annual pay$25,019
- Construction, employment3,795
- Construction, average annual pay$68,895
- Transportation and warehousing, employment3,680
- Health care and social assistance, employment3,144
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 9,672 | 140 | $70,967 |
| Retail trade | 5,864 | 279 | $42,362 |
| Accommodation and food services | 4,869 | 245 | $25,019 |
| Construction | 3,795 | 340 | $68,895 |
| Transportation and warehousing | 3,680 | 95 | $53,550 |
| Health care and social assistance | 3,144 | 270 | $54,857 |
| Administrative and support and waste management services | 1,624 | 146 | $54,012 |
| Wholesale trade | 1,536 | 137 | $79,837 |
Manufacturing is the largest private sector at 9,672 jobs, 19.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Guadalupe County
How many businesses are in Guadalupe County?
- Establishments, all industries2,768
- Employment at those establishments45,112
- Annual payroll$2.45 bn
- Establishments per 1,000 residents15.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Guadalupe County
Building permits in Guadalupe County
- Housing units authorized by permit, 20242,062
- Declared construction value permitted$544.5 m
- Single family units authorized1,905
- Multifamily units authorized157
- Multifamily share of units7.6 percent
- Average declared value per unit$264,071
- Units authorized per 1,000 households31.5
Single-family homes are 92.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Guadalupe County
SBA loans in Guadalupe County (7(a) and 504)
- 7(a) approvals recorded165
- 7(a) gross approval dollars$123.3 m
- Average 7(a) approval$747,479
- Median 7(a) approval$307,500
- 10th percentile approval$50,000
- 90th percentile approval$2,271,820
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,607
- Jobs per approval9.7
- Distinct 7(a) lenders active57
- Distinct industries receiving approvals89
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.6 percent
- Loans on real estate terms34
- Loans on working capital terms, 120 months or shorter112
- Franchise loans29
- Franchise share of approvals17.6 percent
- Most active lenderThe Huntington National Bank (12)
- 504 approvals recorded48
- 504 gross approval dollars$33.7 m
- Average 504 approval$702,688
- Median 504 approval$497,000
- Distinct CDCs active5
- 504 jobs per approval9.0
- 504 jobs per million dollars approved12.7
- Most active CDCLiftFund, Inc. (16)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$157.1 m
The average approval of $747,479 sits well above the median of $307,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 20.6 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Guadalupe County
SBA loan default and charge-off rates in Guadalupe County
Do SBA loans in Guadalupe County get paid back?
- Loans with a final outcome recorded24
- Paid in full24
- Charged off0
- Status: Exempt from disclosure113
- Status: Paid in full24
- Status: Cancelled23
- Status: Committed, not yet disbursed5
Only 24 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Guadalupe County
SBA lending by place in Guadalupe County
- Borrower cities with recorded lending13
- Schertz, approvals54
- Seguin, approvals40
- Cibolo, approvals26
- New Braunfels, approvals19
- Marion, approvals10
- San Marcos, approvals6
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Schertz | 54 | $40,254,500 |
| Seguin | 40 | $23,963,800 |
| Cibolo | 26 | $12,509,900 |
| New Braunfels | 19 | $24,492,000 |
| Marion | 10 | $10,494,100 |
| San Marcos | 6 | $6,540,400 |
| Canyon Lake | 2 | $1,668,200 |
| Selma | 2 | $780,000 |
| 5 other borrower cities | 6 | $2,631,200 |
Schertz accounts for 54 approvals against 40 in Seguin. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Guadalupe County
How large is Guadalupe County?
- Land area711 sq mi
- Rank by land area among Texas counties212th of 254
- Width, east to west40.8 mi
- Height, north to south33.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land258
- Establishments per square mile3.89
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Guadalupe County
Flood risk in Guadalupe County
- Participation of the county's own NFIP community Guadalupe County, unincorporated areasParticipating, community 480266
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book13
- Of those, participating in the NFIP13
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class3
- Radon levels in Guadalupe County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Guadalupe County (community 480266), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Guadalupe County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Guadalupe County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Guadalupe County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024183,642
- Households65,424
- Average household size2.81
- Median household income$92,375
- Median age37.6
Common questions
Guadalupe County questions, answered from the record.
How many people live in Guadalupe County, Texas?
The Census Bureau estimates 195,166 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 183,642, in 65,424 households, ranking 28th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Guadalupe County's population growing?
The population has grown 13.00 percent since the 2020 census base of 172,712, to 195,166 on July 1, 2024. In 2024 there were 2,068 births against 1,461 deaths, with net migration of 5,531. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Guadalupe County?
$92,375. The median owner-occupied home is valued at $304,400, which is 3.3 times income, and median gross rent is $1,517 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Guadalupe County?
2,768 establishments, employing 45,112 people with an annual payroll of $2.45 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Guadalupe County?
Manufacturing is the largest private sector at 9,672 jobs, 19.9 percent of covered employment. Covered employment averages 48,527 jobs at an average annual pay of $59,236, or $1,139 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Guadalupe County?
165 7(a) approvals totaling $123.3 m since FY2020, across 57 lenders, with a median approval of $307,500, plus 48 504 approvals worth $33.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Guadalupe County?
2,062 housing units were authorized by permit in 2024, with a declared construction value of $544.5 m. Multifamily was 7.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Guadalupe County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Guadalupe County come from?
The largest single origin is Bexar County, with 2,352 households. Arriving households report an average income of $68,006 against $73,268 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Guadalupe County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Guadalupe County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Guadalupe County
Cities and places in Guadalupe.
16 Census places lie wholly or partly in Guadalupe County. All 16 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| New Braunfels | city | 104,643 | 19 | 24.2 percent here, 75.8 percent Comal County |
| Schertz | city | 44,050 | 54 | 36.8 percent here, 40.6 percent Bexar County, 22.6 percent Comal County |
| Cibolo | city | 35,109 | 26 | Wholly in this county |
| Seguin | city | 33,754 | 40 | Wholly in this county |
| Selma | city | 11,503 | 2 | 31.1 percent here, 59.4 percent Bexar County, 9.5 percent Comal County |
| Luling | city | 5,531 | None recorded | 8.6 percent here, 91.4 percent Caldwell County |
| Redwood | CDP | 3,441 | None recorded | Wholly in this county |
| McQueeney | CDP | 2,392 | 2 | Wholly in this county |
| Geronimo | CDP | 1,507 | None recorded | Wholly in this county |
| Lake Dunlap | CDP | 1,411 | None recorded | Wholly in this county |
| Marion | city | 939 | 10 | Wholly in this county |
| New Berlin | city | 633 | None recorded | Wholly in this county |
| Santa Clara | city | 602 | None recorded | Wholly in this county |
| Zuehl | CDP | 401 | None recorded | Wholly in this county |
| Staples | city | 288 | None recorded | Wholly in this county |
| Kingsbury | city | 248 | 1 | Wholly in this county |
A further 11 of the county's 165 SBA 7(a) approvals are to borrowers in cities that match no Census place in Guadalupe County, the largest being San Marcos (6), Canyon Lake (2), Shchertz (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby